{
  "@context": "https://schema.org",
  "@type": "Dataset",
  "name": "How do you calculate closing costs on a VA loan?",
  "description": "VA closing costs = standard third-party fees plus the VA funding fee: 2.15% of the loan for first use with zero down (3.3% on repeat use; 1.25–1.5% with 5–10% down). Veterans with service-connected disability ratings are exempt from the funding fee entirely.",
  "url": "https://www.revenuelab.fyi/answers/how-to-calculate-closing-costs-on-a-va-loan",
  "dateModified": "2026-10-01",
  "creator": {
    "@type": "Organization",
    "name": "RevenueLab",
    "url": "https://www.revenuelab.fyi"
  },
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "keywords": [
    "Closing Costs Calculator",
    "Rent vs Buy Net Worth Calculator"
  ],
  "distribution": {
    "@type": "DataDownload",
    "contentUrl": "https://www.revenuelab.fyi/api/public/page.json?path=answers%2Fhow-to-calculate-closing-costs-on-a-va-loan",
    "encodingFormat": "application/json"
  },
  "json": {
    "type": "answer",
    "question": "How do you calculate closing costs on a VA loan?",
    "shortAnswer": "VA closing costs = standard third-party fees plus the VA funding fee: 2.15% of the loan for first use with zero down (3.3% on repeat use; 1.25–1.5% with 5–10% down). Veterans with service-connected disability ratings are exempt from the funding fee entirely.",
    "tableTitle": "VA funding fee on a $350,000 zero-down purchase (2025)",
    "columns": [
      "Situation",
      "Fee rate",
      "Amount"
    ],
    "rows": [
      {
        "label": "First use, 0% down",
        "value": "2.15%",
        "note": "$7,525 (usually financed)"
      },
      {
        "label": "First use, 10% down",
        "value": "1.25%",
        "note": "$4,375 on $315k loan"
      },
      {
        "label": "Subsequent use, 0% down",
        "value": "3.3%",
        "note": "$11,550"
      },
      {
        "label": "Disability exemption",
        "value": "0%",
        "note": "$0 — check your Certificate of Eligibility"
      }
    ],
    "context": "VA loans restrict what buyers can be charged: the 1% origination cap, and a list of 'non-allowable' fees (attorney, escrow in some states, prep penalties) that the seller or lender must absorb. Sellers can pay all closing costs plus up to 4% in concessions. Because there's no monthly mortgage insurance, VA is usually the cheapest zero-down path even with the funding fee — and the fee is refundable if a disability rating is backdated to before closing.",
    "methodology": "Funding fee schedule per VA (2020 Blue Water Navy Act rates, current through 2025–2026); non-allowable fee rules per VA lender handbook.",
    "dateModified": "2026-10-01",
    "relatedCalculators": [
      {
        "label": "Closing Costs Calculator",
        "to": "/closing-costs-calculator"
      },
      {
        "label": "Rent vs Buy Net Worth Calculator",
        "to": "/rent-vs-buy-net-worth-calculator"
      }
    ],
    "relatedReading": [
      {
        "label": "Who pays closing costs?",
        "to": "/answers/who-pays-closing-costs-buyer-or-seller"
      }
    ]
  }
}